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lauren Credit Cards Give you Points, Get the Rewards Nov 4, 2009 10:04 AM Credit Card Reform Legislation Would Tighten Rules On Rates And Fees I have really good habits with my credit cards and always pay them off each month. Over many years, I have actually acquired quite a few reward points and never did anything with them. So a couple weeks ago, I decided to see what they were worth and I was able to turn them for $400 worth of gift cards. I am holding onto the gift cards for the holidays, so I can use them to buy some of my gifts this year. Granted it is not a huge sum of money but in my opinion it is basically found money!
FashionWithoutGuilt Frugal Tip Monday-Ways to Make and Save Extra Money for The Holiday Shopping Season Nov 2, 2009 1:53 PM The Holidays are here again. (I know it seems like you were here planning for Christmas just a few months ago) Spending lots of money is on the front of everyone's mind right now. But Fashion Without Guilt is here with a few ideas to help you save or earn a few extra bucks to contribute to your holiday shopping . Reselling Items around your home -In a previous Frugal Tip Monday I have written about Taking A Closet Inventory for Fall . Going through and getting rid of things that you know are not going to be of use to you anymore, Get Rid of It. As they say "what is one man's trash, is another man's treasure" so it's time to get selling. Reselling your own items is a great way to earn some extra cash. An article written by Ramit Sethi of Iwillteachyoutoberich instructs you on some key areas to make your ebay listing more valuable . I personally am going to take my own advice. I am going through my closet and reselling alot of items that I know I have no use for. Wish me Luck, I will let everyone know the name of my ebay store very soon. Everything will be affordable . Another online avenue for earning extra revenue is listing your items on Craigslist . This is a free site to list your items. ***Unlike Ebay where you ship the items to your customers, Craigslist is somewhat more based on a local scale. So if you are going to meet a potential buyer please be safe and make smart decisions before meeting a random person from the Internet.*** Please share some of your ideas on saving for this Shopping Season?
PureGrace How to Get Out of Debt, Stay Out of Debt & Live Prosperously Oct 28, 2009 7:53 PM The book has been a life changer for me and my finances!!!  It was written by Jerrold Mundis. When I read this book over a year ago I had $16,000 in total debt, a loan with an APR of 16.99% and a feeling like I was living in austerity. Since then I have stopped using credit cards completely, paid off $6,000 in debt including paying off my student loan and a store credit card.  I was able to use a balance transfer to change the loan APR from 16.99% to 1.99%.  And the best part I took my first Caribbean vacation and paid for everything in CASH!!! It recommend simple techniques that have made a huge difference.  You write down everything you spend and then put it into categories.  Create a spending plan based on the expenses you write down but also set up long term goals.  I created a savings account for Vacation, Clothing, Pampering, Christmas, Taxes, etc. The most important thing I learned from this book was to pay myself first.  My old spending plan had me trying to paying off a bunch of bills and then trying to live off the rest.  Now I have flipped that and feel like I'm really enjoying my life and still making progress towards being completely debt free.  I will pay the debts back but in my own time.  If I keep up my payment schedule I'll be debt free in the next three years and that is not including windfalls or tax refunds (which I put a third towards debt, a third towards monthly expenses and a third towards something fun). I highly recommend this book for anyone wanting help learning how to live solvently and prosperously.  : )
lauren Have a budget...I know it sounds boring but it works! Oct 13, 2009 2:41 PM So not so long ago when I first met my boyfriend, now current husband,  introduced me the idea of keeping a budget. He setup a really easy to follow spreadsheet where I could enter each day what I spent and setup an estimate as to what I would spend on rent, bills, food and, of course, fun! After a month, I was amazed I was spending over a thousand dollars on clothes and fun. I wasn't going out and buying a couple really expensive items but it was all the smaller stuff that just quickly adds up. I must admit I was completely shocked and afterwards definitely felt like I had really had nothing to show for the money spent. Well, lesson learned, I continued to use the budget sheet, just to keep my spending in check and was eventually able to start saving a lot more each month!  
Angelica Which Regular Accomplishment Feels Best? Sep 24, 2009 5:03 PM

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Money Personality Quiz %u2013 Shopping Personality Quizzes - Seventeen.com Recession Resistant Franchise THE DAILY MOOD FLIPCHART Business or Credit Card Wallet (Pink and Orange Roses) by notapotato on Etsy

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Credit Cards Give you Points, Get the Rewards Frugal Tip Monday-Ways to Make and Save Extra Money for The Holiday Shopping Season How to Get Out of Debt, Stay Out of Debt & Live Prosperously Have a budget...I know it sounds boring but it works!

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Started Jan 2, 2008
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Do you ever do something to save money and get excited about it? You generally don't call your girlfriends to exchange savings strategies; that would probably be on the awkward side. No matter how big or small you think your money solutions are, I want to know what you've done to save lately! Give me your savvy scoop by joining my group, How Do You Save.